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There are risks involved with investing, including possible loss of principal. Investments will fluctuate and may be worth more or less than when originally purchased. Diversification and asset allocation may reduce some risks of investing, but do not guarantee a profit or ensure against a loss in a declining market, they are methods used to manage risk. There is no assurance that any particular strategy will work under all market conditions. Past performance does not guarantee future results. This information should not be considered tax/legal advice. You should consult your tax/legal advisor regarding your own tax/legal situation.